Basic Health Care Insurance

Recently it was announced that the health care insurance system on Curaçao has been changed substantially from 1 February 2013 onwards. The different ways in which most people were insured for medical expenses are now united under the Basic health care insurance. (BVZ). In general, those who have private health care insurance are exempted from BVZ.


The age for retirement pension (the AOV), has been increased on 1 March 2013 from 60 to 65 years. A limited transitional arrangement applies to those that are 57 years or older. The premium percentage has also increased.


The changes in the BVZ and the AOV have consequences for nearly everyone on Curaçao and result in a substantial financial burden for employers and employees. In this newsflash we mention the main aspects and briefly discuss some details and concerns.